Below is a list of documents required to process your loan quickly
and efficiently. Please select the loan type you've "prequalified"
for.
Basic
(for any loan type)
First Time Homebuyer
FHA
VA
Refinances
Purchases
New Construction
Basic
(for any loan type):
A list of all
checking, savings, and retirement accounts including the name of
the financial institutions, complete mailing addresses, account
numbers and copies of the most current statements.
Face value and cash value of life insurance policies.
A list of liabilities. Include the full mailing address,
account numbers, required monthly payments, and the balance
outstanding. Make sure to include all mortgage loans, installment
loans, credit cards, student loans, and child support.
Complete addresses of all residences for the last two years,
including name and addresses of landlords if applicable.
Complete mailing addresses for all employers for the last two
years, copies of current pay stubs covering 30 days, and W-2 forms
for the last two years.
A check to cover some of the costs, such as an appraisal and
credit report, is needed upfront.
In addition to
the basic information, you may need one or more
of the following depending upon your type of financing.
First
Time Homebuyer:
Complete addresses of
all residences for the last three years, including name and
addresses of landlords.
Entire tax returns and W-2's for the last three years.
Driver's license or photo identification and proof of social
security numbers for all borrowers.
FHA:
Driver's license or
photo identification and proof of social security numbers for all
borrowers.
VA:
Original certificate
of eligibility.
Copy of the DD 214 discharge papers.
Driver's license or photo identification and proof of social
security numbers for all borrowers.
Refinances:
Name, address and loan
number of current mortgage holder, current mortgage balance,
escrow balance.
Annual property taxes.
Homeowners insurance information.
Abstract or owner's title insurance policy.
Purchases:
A copy of the purchase
agreement between you and the seller of the home, including the
complete legal description.
New
Construction:
A copy of the plans,
specifications, and sworn construction statement, if applicable.
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